Financial planning articles & tips

Plan ahead for the aged care you want

Early planning can take away a lot of the stress and uncertainty that can arise when considering aged care at home or a residential aged care facility.   Know what your options are The first option that probably comes to mind is a residential aged care facility. These facilities provide accommodation and care depending on your personal ne...

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2016 Global Economy & Equity Outlook (Part 4) | Australian Economy

Here are the other parts of the 2016 Global Economy & Equity Outlook: Part 1: United States Economy Part 2: Asian and European Economy Part 3: Commodities Market Part 4: Australian Economy Ben Kingsley: So now let’s come into Australia. Where do you see – again we started pretty sluggishly, terrible sort of start. The first days of t...

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2016 Global Economy & Equity Outlook (Part 3) | Commodities Market

Here are the other parts of the 2016 Global Economy & Equity Outlook: Part 1: United States Economy Part 2: Asian and European Economy Part 3: Commodities Market Part 4: Australian Economy Ben Kingsley: So when we look at commodities, obviously the largest commodity is actually cash and the next commodity after that is oil and then iron ...

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2016 Global Economy & Equity Outlook (Part 2) | Asian and European Economy

Here are the other parts of the 2016 Global Economy & Equity Outlook: Part 1: United States Economy Part 2: Asian and European Economy Part 3: Commodities Market Part 4: Australian Economy Ben Kingsley: Let’s go into China and more broadly speaking, Asia. Where do you see the Asian and obviously the biggest economy in that market? Seco...

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2016 Global Economy & Equity Outlook (Part 1) | United States Economy

Here are the other parts of the 2016 Global Economy & Equity Outlook: Part 1: United States Economy Part 2: Asian and European Economy Part 3: Commodities Market Part 4: Australian Economy Transcript: Ben Kingsley: So here we are for another year. I’m with my business partner Michael Savy who’s our chief investment officer. He heads ...

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2015 Share Market & Equities Outlook – Part 3

Sectors in the 2015 Australian Market – Mining, Retail, Healthcare and more   Ben: So let’s look at the sectors. So energy, views on energy. Michael: Look, energy, the price have dropped – with the price drop that we’ve experienced so far, energy is certainly a subject to the companies … Ben: So that’s oil price drop. ...

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2015 Share Market & Equities Outlook – Part 2

Hard Minerals & Global Market – Asia, US & Europe Ben: Let’s talk about hard minerals and hard resources. Obviously iron ore is the big talking point down from peaks of $150 a ton thereabout down to earlier in the $130 a ton, now down to collapsing sub $65 a ton. Michael: Similar to the oil market story, it is a discussion area on t...

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2015 Share Market & Equities Outlook – Part 1

2014 Wrap Up and the Oil Market If you've driven past a petrol station recently, you would have noticed the incredibly low price. By now, you would have already noticed the volatility in the oil market in recent months. What does this mean for our economy and the global market? Watch our 2015 Share Markets and Equities Outlook before making any in...

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Three things to Consider before Setting up a SMSF

The Top 3 things that I ask a client to think about before setting up a SMSF (Self Managed Superannuation Fund) generally is the first thing; can my current Superfund offer the things that I'm actually after. So for example, shares. A lot of the times, I see clients setting up their SMSF because they want control and the flexibility to buy and sel...

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Key Changes you need to know about your Retirement and Pension

So with the recent budget in May this year, the Federal Government announced a few changes in relation to Centrelink. In particular, the one that got a lot of media attention was increase in the age entitlement. It was recommended or suggested to increase the age pension entitlement from age 67 to 70. This would be phased out over the next few year...

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The Top 3 Myths of Financial Planning

So one of the key myths of Financial Planning is that our role is to minimise your tax or reduce your tax bill. The reality is our job is certainly a lot larger than that. It's about looking at the long term objectives, how do we position your portfolio, your investments and your savings to achieve that. Tax is simply a by-product of that. And the ...

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The era of entitlement IS OVER – What can be done?

Joe Hockey delivered the nation’s 2014 Federal Budget last Tuesday. He was true to his word about it being a tough budget and based on the changes they want to push through the senate and bring into law, it certainly didn’t miss any of us, as their catch cry stated “we are all in this together”. I’ve said it before and I’ll say it agai...

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Whose Responsibility?

If Old age poverty rate were to still be at its current level of 35.5% by 2050, we would be facing the prospect of over 10% of Australians living in poverty at a time when they should be enjoying their desired retirement lifestyle. Would it be the responsibility of the Superannuation or the Age Pension to avoid this? Will they even work? In an e...

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